What Builds more Wealth?

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[@1800GarySund]

Terrific

[@mda0214]

Nice calculator. My question would be what happens when you do all of that and increase expenses? From my understanding there's no true return from whole life. The increase in cash value comes from your input. So if thats the case cash value is nothing more than a savings account. Part of that premium goes to the insurance company which is a monthly expense. In that same scenario with a perfectly planned whole life policy that would be used for "infinite " banking what would the expense percentage be? How would it effect the overall cash flow compared to someone who just used multiple free savings accounts to store the money